ScottG,
I agree with your comments about the fighter build, but I think you are off base on the paladin. The paladin's prime stat is charisma. With only a 10 charisma at the start, the paladin's special abilities are going to be sadly underpowered. I would recommend a starting chr of 14 to 16 with the points being stripped away from both strength and constitution.
Additionally, a paladin (with HotU installed) has the option to dual to a champion of torm which add additional power to the paladin special abilities AND partly makes up for loss of feats.
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“Every tavern’s an opportunity, I say.”
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